The Securities and Exchange Commission has not necessarily reviewed the information in this filing and has not determined if it is accurate and complete.
The reader should not assume that the information is accurate and complete.

UNITED STATES SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549
FORM 13F

FORM 13F INFORMATION TABLE
OMB APPROVAL
OMB Number: 3235-0006
Estimated average burden
hours per response: 23.8
COLUMN 1 COLUMN 2 COLUMN 3 COLUMN 4 COLUMN 5 COLUMN 6 COLUMN 7 COLUMN 8
VALUE SHRS OR SH/ PUT/ INVESTMENT OTHER VOTING AUTHORITY
NAME OF ISSUER TITLE OF CLASS CUSIP FIGI (to the nearest dollar) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
ABBVIE INC COM 00287Y109   219,290 1,181 SH   SOLE   1,081 0 100
ACI WORLDWIDE INC COM 004498101   276,700 6,027 SH   SOLE   4,932 0 1,095
ADTALEM GLOBAL ED INC COM 00737L103   417,187 3,279 SH   SOLE   2,924 0 355
ALPHABET INC CAP STK CL A 02079K305   8,325,101 47,239 SH   SOLE   37,896 0 9,343
ALPHABET INC CAP STK CL C 02079K107   1,743,055 9,826 SH   SOLE   7,635 0 2,191
ALTRIA GROUP INC COM 02209S103   215,811 3,680 SH   SOLE   2,147 0 1,533
AMAZON COM INC COM 023135106   5,165,318 23,544 SH   SOLE   17,779 0 5,765
AMEREN CORP COM 023608102   2,734,321 28,470 SH   SOLE   25,814 0 2,655
AMERICAN EXPRESS CO COM 025816109   4,150,079 13,010 SH   SOLE   9,814 0 3,196
AMPHENOL CORP NEW CL A 032095101   1,025,025 10,380 SH   SOLE   7,698 0 2,682
APPLE INC COM 037833100   6,258,397 30,503 SH   SOLE   25,085 0 5,418
APPLIED MATLS INC COM 038222105   2,147,521 11,730 SH   SOLE   9,215 0 2,514
APPLOVIN CORP COM CL A 03831W108   6,470,179 18,482 SH   SOLE   14,366 0 4,116
ATMOS ENERGY CORP COM 049560105   427,686 2,775 SH   SOLE   2,192 0 582
AUTOMATIC DATA PROCESSING IN COM 053015103   239,010 775 SH   SOLE   530 0 245
AXOS FINANCIAL INC COM 05465C100   279,295 3,673 SH   SOLE   3,218 0 455
BOEING CO COM 097023105   238,236 1,137 SH   SOLE   1,137 0 0
BOOKING HOLDINGS INC COM 09857L108   3,503,194 605 SH   SOLE   458 0 147
BP PLC SPONSORED ADR 055622104   636,162 21,255 SH   SOLE   21,255 0 0
BROADCOM INC COM 11135F101   8,614,502 31,251 SH   SOLE   23,511 0 7,740
CATALYST PHARMACEUTICALS INC COM 14888U101   1,118,635 51,550 SH   SOLE   42,650 0 8,900
CHUBB LIMITED COM H1467J104   5,364,142 18,514 SH   SOLE   14,540 0 3,974
COMCAST CORP NEW CL A 20030N101   331,239 9,281 SH   SOLE   7,492 0 1,788
COMFORT SYS USA INC COM 199908104   3,413,840 6,366 SH   SOLE   5,158 0 1,208
COSTCO WHSL CORP NEW COM 22160K105   266,373 269 SH   SOLE   229 0 40
DISNEY WALT CO COM 254687106   3,316,723 26,745 SH   SOLE   20,055 0 6,690
DORMAN PRODS INC COM 258278100   293,181 2,390 SH   SOLE   2,115 0 275
DUKE ENERGY CORP NEW COM NEW 26441C204   325,692 2,760 SH   SOLE   2,760 0 0
ELI LILLY & CO COM 532457108   1,105,416 1,418 SH   SOLE   1,112 0 306
EMCOR GROUP INC COM 29084Q100   4,142,509 7,744 SH   SOLE   6,355 0 1,389
ESQUIRE FINL HLDGS INC COM 29667J101   3,303,309 34,896 SH   SOLE   27,878 0 7,018
EVERQUOTE INC COM CL A 30041R108   997,788 41,265 SH   SOLE   34,776 0 6,489
EVERSOURCE ENERGY COM 30040W108   214,972 3,379 SH   SOLE   2,780 0 599
EXELIXIS INC COM 30161Q104   1,417,585 32,163 SH   SOLE   25,834 0 6,329
EXXON MOBIL CORP COM 30231G102   491,536 4,559 SH   SOLE   3,115 0 1,443
FIDELITY COVINGTON TRUST ENHANCED SMALL 31609A206   1,293,458 40,433 SH   SOLE   37,489 0 2,944
FIDELITY MERRIMACK STR TR TOTAL BD ETF 316188309   3,404,931 74,424 SH   SOLE   62,302 0 12,122
GRAINGER W W INC COM 384802104   698,001 671 SH   SOLE   428 0 243
HALOZYME THERAPEUTICS INC COM 40637H109   1,407,765 27,062 SH   SOLE   22,528 0 4,534
HANOVER INS GROUP INC COM 410867105   204,693 1,205 SH   SOLE   1,060 0 145
HARTFORD INSURANCE GROUP INC COM 416515104   4,177,406 32,926 SH   SOLE   25,639 0 7,287
HOME DEPOT INC COM 437076102   210,697 574 SH   SOLE   508 0 66
INVESCO EXCH TRADED FD TR II S&P 500 MOMNTM 46138E339   1,728,501 15,368 SH   SOLE   15,062 0 306
INVESCO EXCH TRADED FD TR II S&P INTL MOMNT 46138E222   3,802,580 74,211 SH   SOLE   64,978 0 9,233
ISHARES TR CORE DIV GRWTH 46434V621   665,840 10,413 SH   SOLE   10,174 0 239
ISHARES TR CORE S&P SCP ETF 464287804   338,079 3,093 SH   SOLE   3,093 0 0
ISHARES TR CORE S&P TTL STK 464287150   202,965 1,503 SH   SOLE   758 0 745
ISHARES TR CORE S&P500 ETF 464287200   375,437 604 SH   SOLE   508 0 96
ISHARES TR INTERNATIONAL SL 46434V266   756,465 19,511 SH   SOLE   18,340 0 1,171
ISHARES TR ISHS 1-5YR INVS 464288646   202,968 3,847 SH   SOLE   1,357 0 2,490
ISHARES TR ISHS 5-10YR INVT 464288638   834,948 15,668 SH   SOLE   14,364 0 1,304
ISHARES TR MRGSTR MD CP GRW 464288307   1,571,105 19,582 SH   SOLE   19,223 0 359
ISHARES TR MSCI EAFE ETF 464287465   368,466 4,122 SH   SOLE   28 0 4,094
ISHARES TR RUS 1000 ETF 464287622   3,507,724 10,329 SH   SOLE   10,034 0 295
ISHARES TR RUS 1000 GRW ETF 464287614   560,021 1,319 SH   SOLE   1,319 0 0
ISHARES TR RUS 1000 VAL ETF 464287598   371,174 1,911 SH   SOLE   1,911 0 0
ISHARES TR RUS MID CAP ETF 464287499   202,150 2,198 SH   SOLE   2,171 0 27
JABIL INC COM 466313103   338,055 1,550 SH   SOLE   1,160 0 390
JPMORGAN CHASE & CO. COM 46625H100   413,519 1,426 SH   SOLE   1,322 0 104
KLA CORP COM NEW 482480100   882,304 985 SH   SOLE   735 0 250
MASTERCARD INCORPORATED CL A 57636Q104   218,595 389 SH   SOLE   230 0 159
MCDONALDS CORP COM 580135101   209,178 715 SH   SOLE   485 0 230
META PLATFORMS INC CL A 30303M102   6,550,756 8,875 SH   SOLE   6,801 0 2,074
MICROSOFT CORP COM 594918104   9,953,684 20,011 SH   SOLE   16,368 0 3,642
NATIONAL FUEL GAS CO COM 636180101   913,241 10,780 SH   SOLE   8,809 0 1,971
NEW JERSEY RES CORP COM 646025106   259,266 5,784 SH   SOLE   4,479 0 1,305
NEXTERA ENERGY INC COM 65339F101   486,283 7,004 SH   SOLE   2,973 0 4,031
NEXTRACKER INC CLASS A COM 65290E101   334,212 6,147 SH   SOLE   5,477 0 670
NISOURCE INC COM 65473P105   436,536 10,821 SH   SOLE   8,304 0 2,517
NORTHERN TR CORP COM 665859104   3,882,513 30,621 SH   SOLE   23,513 0 7,108
NOVO-NORDISK A S ADR 670100205   230,872 3,345 SH   SOLE   3,345 0 0
NRG ENERGY INC COM NEW 629377508   786,877 4,900 SH   SOLE   3,702 0 1,198
NVIDIA CORPORATION COM 67066G104   18,225,113 115,356 SH   SOLE   93,283 0 22,073
ORACLE CORP COM 68389X105   240,332 1,099 SH   SOLE   1,079 0 20
PALOMAR HLDGS INC COM 69753M105   1,188,188 7,703 SH   SOLE   6,278 0 1,425
PARKER-HANNIFIN CORP COM 701094104   216,558 310 SH   SOLE   190 0 120
PAYCOM SOFTWARE INC COM 70432V102   2,741,406 11,847 SH   SOLE   9,134 0 2,713
PEPSICO INC COM 713448108   210,868 1,597 SH   SOLE   1,331 0 266
PHILIP MORRIS INTL INC COM 718172109   647,491 3,555 SH   SOLE   2,985 0 569
PINTEREST INC CL A 72352L106   602,771 16,809 SH   SOLE   13,301 0 3,508
POWELL INDS INC COM 739128106   1,117,104 5,308 SH   SOLE   4,473 0 835
PRIMORIS SVCS CORP COM 74164F103   1,238,826 15,894 SH   SOLE   12,858 0 3,036
PROCTER AND GAMBLE CO COM 742718109   382,180 2,398 SH   SOLE   2,351 0 47
PROGRESSIVE CORP COM 743315103   4,694,066 17,589 SH   SOLE   14,443 0 3,146
QUALCOMM INC COM 747525103   3,531,569 22,174 SH   SOLE   17,079 0 5,095
RESMED INC COM 761152107   2,301,060 8,918 SH   SOLE   6,455 0 2,463
SCHWAB STRATEGIC TR FUNDAMENTAL US S 808524763   219,879 7,674 SH   SOLE   7,674 0 0
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102   694,943 29,162 SH   SOLE   27,871 0 1,290
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797   337,291 12,727 SH   SOLE   11,514 0 1,213
SPDR S&P 500 ETF TR TR UNIT 78462F103   3,660,881 5,925 SH   SOLE   5,141 0 784
SPDR SERIES TRUST PORTFLI HIGH YLD 78468R606   7,929,883 333,188 SH   SOLE   266,324 0 66,863
SPIRE INC COM 84857L101   241,645 3,310 SH   SOLE   2,629 0 681
STERLING INFRASTRUCTURE INC COM 859241101   3,278,443 14,209 SH   SOLE   12,785 0 1,424
TESLA INC COM 88160R101   939,003 2,956 SH   SOLE   2,906 0 50
THERMO FISHER SCIENTIFIC INC COM 883556102   366,941 905 SH   SOLE   905 0 0
T-MOBILE US INC COM 872590104   3,256,666 13,668 SH   SOLE   10,404 0 3,263
TRANE TECHNOLOGIES PLC SHS G8994E103   230,515 527 SH   SOLE   527 0 0
TTM TECHNOLOGIES INC COM 87305R109   316,355 7,750 SH   SOLE   6,955 0 795
UBER TECHNOLOGIES INC COM 90353T100   1,963,872 21,049 SH   SOLE   16,403 0 4,646
UGI CORP NEW COM 902681105   301,312 8,273 SH   SOLE   6,786 0 1,486
UNITEDHEALTH GROUP INC COM 91324P102   1,050,058 3,365 SH   SOLE   2,511 0 854
VANGUARD ADMIRAL FDS INC MIDCP 400 VAL 921932844   1,093,767 11,456 SH   SOLE   10,912 0 544
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835   864,916 11,746 SH   SOLE   11,496 0 250
VANGUARD INDEX FDS GROWTH ETF 922908736   994,015 2,267 SH   SOLE   1,888 0 379
VANGUARD INDEX FDS MID CAP ETF 922908629   245,691 878 SH   SOLE   50 0 828
VANGUARD INDEX FDS SM CP VAL ETF 922908611   289,213 1,483 SH   SOLE   101 0 1,382
VANGUARD INDEX FDS SML CP GRW ETF 922908595   223,768 808 SH   SOLE   0 0 808
VANGUARD INDEX FDS TOTAL STK MKT 922908769   499,059 1,642 SH   SOLE   1,258 0 384
VANGUARD INDEX FDS VALUE ETF 922908744   752,640 4,258 SH   SOLE   3,609 0 648
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409   10,654,592 134,020 SH   SOLE   110,574 0 23,445
VANGUARD SCOTTSDALE FDS VNG RUS1000VAL 92206C714   1,444,906 16,957 SH   SOLE   0 0 16,957
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   897,325 15,739 SH   SOLE   15,589 0 150
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406   756,105 5,671 SH   SOLE   5,525 0 146
VANGUARD WORLD FD MEGA CAP VAL ETF 921910840   2,015,206 15,359 SH   SOLE   15,160 0 199
VANGUARD WORLD FD MEGA GRWTH IND 921910816   3,624,034 9,897 SH   SOLE   9,702 0 195
VEEVA SYS INC CL A COM 922475108   2,383,322 8,276 SH   SOLE   6,471 0 1,805
VERTIV HOLDINGS CO COM CL A 92537N108   287,638 2,240 SH   SOLE   1,750 0 490
VISA INC COM CL A 92826C839   5,828,573 16,416 SH   SOLE   12,880 0 3,536
VISTRA CORP COM 92840M102   243,100 1,254 SH   SOLE   1,197 0 57
WALMART INC COM 931142103   362,376 3,706 SH   SOLE   2,201 0 1,504
WEC ENERGY GROUP INC COM 92939U106   395,082 3,791 SH   SOLE   2,355 0 1,435
XCEL ENERGY INC COM 98389B100   294,426 4,323 SH   SOLE   3,404 0 918